INTRODUCTION INTO PROTECTION
When life is good, your family are fit and healthy, it is potentially easy to overlook the possibility that things could go wrong in an instant and change their lives.
My role is to slow you down and reflect on what impact something happening to you or your loved ones could have on your family.
Ensuring you have the appropriate levels of cover are essential in protecting your livelihood and could make all the difference should the worst unfold.
VERIFIED PROTECTION REVIEWS
What were the circumstances that caused you to look for an adviser?
I had a number of......to me......complicated financial decisions to make, for me, my family and my Mum! - I had been given Power of Attorney for my mothers financial and health affairs due to her ill health. - I had just started my own consultancy business, so my mortgage redundancy protection was now obsolete as now self employed. - I needed to ensure my family were fully financially covered against my demise now being self employed - I turned 55, triggering pension options I had never considered. - I wanted to set up a funeral plan - I had some old Endowment policies that needed sorting.Daunting !
How did Stephen Elvin help you?
First and foremost, I felt Stephen was really concerned about doing the right thing for ME, not a generic solution that I am sure would have been easier to do. I was able to discuss all of my needs, which to me were diverse, and was surprised at how broad a market Stephen could cover, and his knowledge and persona were head and shoulders above some other IFA's I have met in my time.Basically, I have had a complete 'Financial Health-check', and frankly never been so confident in my financial situation.......also knowing I can just pick up the phone to Stephen if I have a question. Through Stephen Elvin, I have been able to make a decision on a final salary pension pot, set up my life cover, (which was particularly awkward due to me having a random and rare illness a few years ago), Funeral plan in place, endowments reviewed . All in all, Stephen has been a fantastic support and knowledge bank to get these things sorted.
What is your current situation? Have you seen the outcome you were hoping for?
Early days but I am protected, my family is protected, and I know my future financial well-being is in safe hands
What could they have done better?
I can honestly say.....all was spot on. I never felt like I had to ask how much was his advice.....he did the important thing.....listened.
What were the circumstances that caused you to look for an adviser?
We wanted someone whom we felt we could trust to advise us on all of our financial matters. We were looking to move money from our banks managed funds In to more personalised investments tailored to our needs. We felt the bank was too tied to its own products to maximise our potential.
How did Stephen Elvin help you?
We have found Stephen to be thorough in understanding our needs and requirements fully, taking time to explore alternatives and offering sound advice.
What is your current situation? Have you seen the outcome you were hoping for?
We have seen some good performances against difficult markets. We are confident that had we not moved our investments we would have been a lot worse off.
What could they have done better?
Stephen really is very helpful, knowledgeable and easy to get on with. We really don't think there is anything in particular he could have done better.
Life Cover
Life insurance can pay your dependents money as a lump sum or as regular payments if you die.
It’s designed to provide you with the reassurance that your family will be looked after if you’re no longer there to provide.
The amount of money paid out depends on the level of cover required.
Critical Illness Cover
Critical illness cover is a type of insurance that will protect you financially against the impact of serious illnesses.
If you get one of these illnesses, a critical illness policy can pay out a tax free lump sum, or a regular monthly payment.
This can help pay for your mortgage, rent, debts or towards private healthcare.
Income Protection
Each year one million people in the UK find themselves unable to work due to a serious illness or injury.
Income protection insurance is designed to provide a life line if you can’t earn an income for those reasons.
Without a form of income, you will likely need some other way to keep paying the bills and this is where this type of cover could be vital.
Whole of Life Insurance
Whole of life policies payout a lump sum when you die, whenever that is.
With some policies, you can stop paying once you reach a certain age, but with others you have to make monthly or annual payments right up until you die.
These plans can be very effective for inheritance tax planning or for very long term protection needs.
Protecting what really matters
Given this is a very important area, it all starts with a conversation and an idea of how we need to protect you and your family.
By filling in the enquiry form, this could be a simple straight forward conversation that costs nothing but means you understand the options.
Alternatively, it may mean we need to sit down together for a more in depth consultation, this is to ensure the levels of your protection are right for you.
This is at no cost obligation to you, giving you the opportunity to evaluate your options and the service I can provide.
I aim to respond to all enquiries within a 24 hour period, if your query happens to be urgent for whatever reason, please state this within your enquiry.
Alternatively I can be reached on 01278 555 113 or touch the Messenger icon on the screen.
Your personal data will remain confidential and will not be passed to any company outside our firm without your permission being obtained, unless the information is required by law. For further details on how we handle your personal information, please refer to our Privacy Policy.
